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Pathward Financial, Inc. key statistics and ratios

In fiscal 2025, Pathward Financial, Inc. had return on equity of 22.1% and a net margin of 22.1%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2009Sept 20092010Sept 20102011Sept 20112012Sept 20122013Sept 20132014Sept 20142015Sept 20152016Sept 20162017Sept 20172018Sept 20182019Sept 20192020Sept 20202021Sept 20212022Sept 20222023Sept 20232024Sept 20242025Sept 2025LTMJun 2026
Net margin−1.4%9.5%5.1%16.6%14.7%16.0%15.4%18.7%16.9%16.4%19.9%21.0%25.8%25.1%19.7%23.0%22.1%21.3%
Return on equity−3.1%20.8%6.1%15.1%9.3%9.9%8.1%11.0%11.7%8.8%12.2%12.4%16.5%20.1%22.9%25.4%22.1%20.6%
Return on assets—1.2%0.4%1.2%0.8%0.8%0.8%1.0%1.0%0.9%1.6%1.7%2.2%2.3%2.0%2.4%2.5%2.4%
Effective tax rate—37.5%43.8%36.1%21.6%15.6%7.0%14.4%18.6%8.9%−3.4%4.9%6.8%14.5%6.2%15.6%16.3%16.0%
SG&A as % of revenue——————————————0.0%0.0%0.0%0.0%
Dividends ÷ net income—12.5%34.9%10.7%21.8%20.3%19.3%13.2%10.8%11.1%8.0%6.8%4.5%3.9%3.8%2.8%2.5%2.5%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

89 /100

Strong moat

How hard Pathward Financial's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 20 / 20

    Net income has been a median 1.9% of total assets over 10 years.

  • Durability 17 / 20

    Net margin has been a median 21.5%; its worst year was 16.7%.

  • Discipline 20 / 20

    The diluted share count fell 31.9% over five years; stock-based pay has been a median 1.6% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (94 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

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More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Pathward Financial, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Pathward Financial, Inc.